Smithtown, NY
Smithtown wildfire risk explained
USFS scores Smithtown at the 32nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 9,506 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Smithtown at the 33rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Smithtown's buildings actually sit
9,506 buildings are counted in Smithtown, and 55.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 11.1% rated Minimal. At 9,506 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Smithtown ranks
Smithtown's 70th-percentile standing inside New York outpaces its 32nd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Smithtown ranks 21,338 for wildfire risk (1 is highest) and 1,714 by building count (1 is largest). Within New York alone, it ranks 392 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
What this risk score means for insurance
Smithtown's moderate wildfire rating (32nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Smithtown (55.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Smithtown's 21,338-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Smithtown, see the exposure-zones guide.